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monkeybone

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About monkeybone

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  1. This topic was closed on 11 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. That's exactly what I have done. The bank branch's address was on the cheque, and I have sent it with a covering letter, so she can receive an explanation.
  3. Today I received a big pile of printouts from MBNA. The covering letter says "On this occasion we have supplied this information free of charge, therefore, please also find enclosed your £10 cheque." The thing is, I never sent them a £10 cheque in the first place, nor did I offer to. I looked for the cheque, and sure enough there is a returned cheque in the envelope for a Miss Jackson - someone I have never heard of. I guess the strain of dealing with all of us is confusing MBNA. If you are a Miss Jackson and you sent MBNA a £10 cheque, send me a message.
  4. Got my statements from Cahoot today within the 40 days, without payment. They even said in the letter that as a goodwill gesture they weren't charging for it.
  5. I stand corrected. Thanks for that. In that case, only hold the payment if you aren't in a hurry
  6. Fair comment. If you want to do that, granted. I don't believe in paying, and I don't recall anything in the DPA that says they can hold you up by asking for payment. I agree if you are in a hurry it can delay matters, but if a bank made me wait 40 days only to write back with a demand for payment and then expect another 40 days I would be onto the Information Commissioner and the Banking Ombudsman right away.
  7. MBNA is one of nine companies I am corresponding with at the moment. None have progressed to the action stage. I thought I would share this letter I got from MBNA today, and the response I have just sent them. I will update on progress letter. For your info, I wrote asking them for a copy of my file and a note to say I knew of at least £406 + interest but wanted a full statement. They wrote me this letter: There's more sign off stuff. Now, a couple of key things strike me about this letter. First, they tell us how they calculate charges - they take an aggregate view across their network, which means that every customer is being charged based on this aggregate view. So they are admitting that their charge for each customer is not related to the actual costs of dealing with that customer. Second, they are admitting that they keep their charges in line with those of other banks. Again, an admission that their charges are not calculated against individual cost. Did someone just say "cartel"? Here's the letter I sent in reply today.
  8. I know many people are following instructions to send a £10 cheque with their DPA information request letters, but don't. Don't even refer to it. There is no legal requirement to pay £10 to get your personal file. It is up to the company to ask you to pay a fee and they can only charge you up to £10. So far, I have written to nine institutions, and not paid money to any of them and not been asked for any either.
  9. Bells, you may be interested in my other NW thread about my £480 refund. I got the money without explanation, until today I received the exact same letter as you. The only difference is that yours did not include a refund and mine (and at least one other BAG member's) did. So since they wrote to you they seem to have changed their policy, which means they have gone from simple letters to bribing people with money, which means they are bowing to pressure.
  10. Had a letter from Natiownide today that basically said (I am paraphrasing): Some other customer service type stuff. NO explanation of why they have therefore refunded £480 and no explanation of how they arrived at that figure. The mere fact that they have refunded it, though, does imply some guilt on their part - especially because they do NOT say "we're refunding it as a goodwill gesture." It's easy to infer from the letter that they are saying... Ergo, they accept they have unfairly charged me. I'll report back when they finally deliver the statements I requested.
  11. Thanks for the replies. Meagain, I will read more about that useful feedback. I'm still keen to see whether people think there is a way to force banks to change their terms to exclude these unfair and illegal fees. The fact is, we shouldn't HAVE to sign unfair contracts, even under protest, but we HAVE to have a bank.
  12. Considering the banks are not going to be happy the longer this all goes on, something will have to change. I know the banks are saying that we have all agreed to their charges when we opened our accounts, and that if they went to court they would probably win. What I think really needs to happen though is for the banks to revise their fees in their initial terms and conditions. As we are all writing letters saying "I now realise your original terms and conditions were misleading and unfair" (or words to that effect), it's only a matter of time before a bank, or a court, says to someone that we are now armed with the truth so we shouldn't sign contracts we know to be unfair. The trouble is, NO bank offers terms that have fair fee structures, so if you get your account closed (such as Alliance & Leicester seem to be doing to complainants), how do you sign up to a new bank account knowing their fees are unfair, and knowing that signing their terms is acceptance of those fees? I think there needs to be a second stream of action against banks - a boycott against people opening new accounts, telling them of the fees they will be charged and urging them not to take out bank accounts. Obviously, we have to bank somewhere, but we can't go on reclaiming fees as illegal and at the same time agreeing to the terms and conditions of banks. Sorry if this has been covered somewhere but I couldn't find it when searching.
  13. I know you are probably now sorted but thought it worth mentioning that Clydesdale's legal department aren't worth their salaries if they don't know the DPA. It is quite clear that you have a right to request a copy of ALL personal information held on file relating to you. Bank statements going back to when you opened your account (not just 12 months) are personal to you, so you have a legal right to ask for it, and they have a legal obligation to provide it. They can only not provide it if they no longer have that info on file, which would be ridiculous for a bank.
  14. No, I want the statements from them so I can calculate the full amounts. I think £900 is only a part of what I have been charged, so once I have the information I need I will go from there. I was just intrigued to find out whether anyone had had money put in their account without any explanation.
  15. It wasn't a separate DPA request. My letter basically said that I had calculated at least £900 and was requesting they send me a full breakdown of historic charges, in the same letter where I was asking for charges to be repaid. I think I will have to chase for a reply.
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